*All Annual Percentage Yields (APYs) effective 7/6/10 (assumes interest will remain on deposit), subject to change without notice. $2,500 minimum opening deposit and minimum balance is required to be maintained for the entire term and must be drawn from a financial institution other than Finance Factors. $95,000 maximum deposit. Penalty may be imposed for early withdrawal. Withdrawals before the age of 59-1/2 may result in an IRS penalty. Fees could reduce earnings on the account. Special rates are available to Hawaii residents only, and may be discontinued at any time. Deposits are insured up to $250,000 by the FDIC.